858 Waterford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 858 Waterford Dr, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,645 sqft · built 1991
Lot Size	0.069 acres (3,009 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Nov 2017)
Tax Bill	$4,610 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-157829`

Property Details

APN / Parcel Number

Primary APN	`02-157829`
Alternative APNs	`2157829` `157829`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,645 sqft Living Area
1st Floor Area	861 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,009 sqft (0.069 acres)
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	157829
Street Address	858 WATERFORD DR
City	FREDERICK
State	MD
Zip	21702-4088
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LT 312 SEC 2 PLAT 4 3009 SQ FT WATERFORD
Legal Subdivision	WATERFORD
Legal Lot Number	312
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2008
Census Tract	750504

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

858 Waterford Dr, a townhouse, is owned and occupied by an individual who bought it in November 2017.

Source: Frederick County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	858 WATERFORD DR, FREDERICK, MD 21702-4088
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP
Nov 29, 2017	Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2017 · Amount on File
Deed Sale	Nov 29, 2017 · Amount on File
Prior Sale	Jan 7, 2011 · Amount on File
Deed Document Number	201712153-0270
Deed Book / Page	12153 / 270
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	858 WATERFORD DR, FREDERICK, MD 21702-4088
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CAPITOL SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	858 WATERFORD DR, FREDERICK, MD 21702-4088

Mortgage

Document Number	0145260406
Date	Feb 8, 2021
Book Page	14526/406

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	299 Months
Due	Jan 1, 2046

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 29, 2017
Property Address	858 WATERFORD DR, FREDERICK, MD 21702-4088
Document Number	0121530270
Book / Page	12153 / 0270
Map Reference	MB46 PL71
Instrument Date	Nov 21, 2017
Instrument	12153-0270
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CLEAR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	858 WATERFORD DR, FREDERICK, MD 21702-4088

Mortgage

Document Number	121530277
Date	Nov 29, 2017
Instrument	12153-0277

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 858 Waterford Dr was $4,610 with a homeowner's exemption.

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$283,800	$330,000 Land $75,000 Building $255,000
2025	$4,610.00
2023	$4,119.00 Homeowner's exemption	$229,100	$260,700 Land $75,000 Building $185,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 858 Waterford Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (2015–2019)
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 858 Waterford Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Glo Fiber, T-Mobile, Verizon.

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